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First Financial BancorpFFBC -0.08%65 Cash-to-Debt is 0.79 as of Jun. 2026, which is 72% above its 10-year median of 0.46. GuruFocus rates FFBC with a GF Score™ of 65/100 and a GF Value™ of $28.38 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, First Financial Bancorp ranks worse than 64.43% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First Financial Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.79.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, First Financial Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for First Financial Bancorp's Cash-to-Debt or its related term are showing as below:
FFBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 0.46 Max: 1.2
Current: 0.79
During the past 13 years, First Financial Bancorp's highest Cash to Debt Ratio was 1.20. The lowest was 0.13. And the median was 0.46.
FFBC's Cash-to-Debt is ranked worse than 64.43% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs FFBC: 0.79
First Financial Bancorp (NAS:FFBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First Financial Bancorp Cash-to-Debt Related Terms
First Financial Bancorp Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, First Financial Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Financial Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First Financial Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Financial Bancorp (FFBC) has a Cash-to-Debt of 0.79 as of Jun. 2026. This is 72% above median its historical median of 0.46. Over the past decade, First Financial Bancorp's Cash-to-Debt has ranged from 0.13 to 1.20. According to the industry distribution chart, First Financial Bancorp ranks #960 out of 1490 companies in the Banks industry, placing it in the top 64.4%.
Is First Financial Bancorp's Cash-to-Debt too high?
First Financial Bancorp's current Cash-to-Debt of 0.79 is 72% above median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.20. The Banks industry median Cash-to-Debt is 1.38. First Financial Bancorp's value of 0.79 is 42.8% below this industry median. Based on the distribution chart, First Financial Bancorp ranks #960 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bancorp's Cash-to-Debt compare to TOWN and MCHB?
According to the Banks industry distribution chart, First Financial Bancorp ranks #960 out of 1490 companies for Cash-to-Debt. This places First Financial Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. First Financial Bancorp's value of 0.79 is 42.8% below this benchmark. Historically, First Financial Bancorp's own Cash-to-Debt has ranged from 0.13 to 1.20 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.38, First Financial Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bancorp's current Cash-to-Debt of 0.79 is 42.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bancorp's current Cash-to-Debt is 0.79, which is 72% above median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Financial Bancorp (FFBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.38, compared to a current price of $32.50 — trading 14.5% above its estimated fair value. The current Cash-to-Debt is 0.79, which is 72% above median its 10-year median of 0.46 and 42.8% below the Banks industry median of 1.38. First Financial Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First Financial Bancorp (FFBC), the current Cash-to-Debt is 0.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Financial Bancorp (FFBC) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bancorp stock appears to be overvalued.
The current stock price of $32.50 is trading 14.5% above its estimated GF Value™ of $28.38.
GuruFocus considers First Financial Bancorp to be Modestly Overvalued.
Key valuation signals for FFBC:
Cash-to-Debt: 0.79 (72% above median its 10-year median of 0.46)
GF Value™: $28.38 vs. price of $32.50 (14.5% above fair value)
Industry Position: 42.8% below the Banks median (#960 of 1490)
No single metric tells the full story. See the FFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Bancorp is a mid-sized, regional bank holding company. It engages in the business of commercial banking and other banking and banking-related activities through its subsidiary. The range of banking services provided to individuals and businesses includes commercial lending, real estate lending, and consumer financing. Real estate loans are loans secured by a mortgage lien on the real property of the borrower, which may either be residential property or commercial property. In addition, it offers deposit products that include interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for commercial customers. A full range of trust and wealth management services is also provided through First Financial's Wealth Management line of business.
65GF Score
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